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0820
Innovation and imitation,opportuni©¥♥ty and challenge
Asia-Pacific Pharma IP Leadα÷↑λer summit2019---14th-15th ¶λβ✔NOV, Beijing CHINAOn March 19, 201™↓9, the World Intellectual Prope•ε☆rty Organization (WIPO) published its ≠×↔'global intellectual proper× ty report 2018.Asian innovators filed more than→£ half of their international pateγ∑>"nt applications through WIPO for the first time λ↔in 2018, with significant growth in China, I¥®αndia and South Korea, the report noted. As a te ☆chnology-intensive industry, pharmaceut <ical industry attaches great importance to patent♥β≠ application and intellectual prop₩∑δ erty protection.In recent years, the si←γΩze of the global pharmaceutical market αλΩαhas maintained a steady growth, with China, Soγ₹"uth Korea, India and other emerging marke♣¥ts presenting a rapid growεΩ"εth momentum. Due to tα±he different intellectual property policies ★>of different countries, the strategi'& c layout of global intellectual pro®&perty, the differences ♥©± of pharmaceutical intellect₩♥♣ual property policies of Asia-pacific countri↔©±§es, the patent review process, l±★itigation procedures and Genα®≠eric drug patent strategy ha♣§ve gradually become the hot spots of the↔Ω♣ pharmaceutical intellectual property indust∑Ωry.In this context, the 2019 Asia- pacific Pharmaceutical IP Leader Summit will be ±σheld in Beijing on November 14-15, and will∑'®¶ attract more than 500 industry experts σ≠from domestic and foreign ph♠♥¶↓armaceutical companies, biot≈ echnology companies, governments, associations ∑∑, law firms, intellectual property ageα©nts and other companies to attend.A↔↔≠genda Framework:Sectio"∏n 1：Interpretation of Policy: Development of Phar§¥♥∏maceutical IP under the New Legislative Landsca<∞☆pe Section 2：Pharmaceutical R&D Inn ☆"ovation and IP Protection -- Global Vision≤∞∞Section 3：Case Sharing of Pharmacγ♣↓eutical Patent Invalidity, In≠©fringement, LitigationSectioα n 4：Opportunities and chal∏★lenges for generics compan↓® ¶ies under the new situati>×δ±on HOTSPOT:ü Medica≥<l Policy Interpretation under the Backgrou¥₩₹nd of Patent Law Amendmentü&n↑<bsp; The innovation of Judicial Mechanism Promoα♣tes the Development of Pharmaceε≠utical Intellectual Propertyü Intellec≥✘tual Property Management Experien ∞ce in Multinational Ph✔≤"armaceutical Companies, Patent Layout Stra↕↔tegy, Litigation Strategyü π•≤★he Data Protection Regulations of Drug Te©st—New Eraü Trade Secrets and Patent Lay★↓±out in the Medical Fieldü Establishing The ≤φ&™Internal Intellectual Proper®Ωty System under The New Legi₩®♣•slative Landscapeü&n☆bsp; Opportunities and Challe$$πnges of Pharmaceutical Enterprises under Pate♠£'nt Term Compensation Syst±≤™ em--- Global Vision and Its Impl∞•₹↕ications for Chinaü Lat $est Changes in European Patent Application and ®✔Review Proceduresü Analysisβ®< of Hot Cases of Recent Patent Invalid∏ ationü The Procedure o£γε®f American Pharmaceutical Patent litigatio∏φ♠∏n and its Enlightenment to Chiδ♠♦nese Pharmaceutical En≠♣terprises ü&nbs≈→∞ p; Application techniques and≈>φ protection strategies for Europea &n and American biomedical patentsü Changes™÷¥ in standards for creative re¶view of patentsü ♥•δ→European, American and Jβ$αapanese Medical Patent Examination C§∞ases and its implications for Dome©€★sticPharmaceutical Companiesü Recent×≈☆€ Hot Patent Infringement Cases An∏™↑♠alysisü The Strategy of Indian Gen≤↑eric Drug Companies in R&δ✔;D and Pre-PAü How to avoid the Patent Tγ♣rap in Generic Drug Developmentü&nbsα₽∑p; The Strategy of Generic Drug Companies to Ente ♣ ≤r the European and American÷ ₽ Marketsü Patentabi♣∏lity in Europe, the United States and ChΩ<→☆inaü Patent litigati¥×&on in Europeü Doubts around≈♣ the Unified Patent Court (UPC) a<£→greement and Brexitü Second♥±↕ medical use patentsCompositσ✘ion of participants： &nbᥧsp;Summit highlights：10+ Hot topic20+ ↔λ↓; Authoritative speech5 0+ Industry media4✘≈ 0+ BIC110+pharma co®♠mpany 500+專業(yè)參會(huì)嘉賓 &nbsλ§φ¥p; &nbsε±p; &nbsβ₩↑p; $©♦ Profession♣ αΩal participantsOfficial regi≠ →stration and consultation$' channels:Contact：AnnPhone: 021-656Ω&♦50305Email：Marketing@zenseegroup.comhttp://en.zen €seegroup.com/p/510934/ -
1223
United Airlines to pay $321,000 to sγ☆♥™ettle sexual harassment case
From:businessinsuranceUnited Aφ★§≠irlines Inc. will pay $321,000 plus attorneys β•fees to settle a sexual harassment∞≠ lawsuit filed by the U.S.©♦ Equal Employment Opport→πδunity Commission that charged a Un↑γ↓ited captain sexually♣©↕ harassed a flight attendant for many y≤™ βears, the agency said Friday.The EEOC said the c÷aptain frequently posted explicit images of the f≥÷✘light attendant to multi ¥ ple websites without h♦§§er consent, referring to her name, h'®♠™ome airport and the airlines’ tag∑ε∑Ωline, “Fly the Frien↕&∞dly Skies.”It said also the γ images were seen by her coδ☆>ε-workers as well as “untold numbers” of po∞$≥tential passengers, causing her humiliation and e•♣mbarrassment and adversely affecting≤§ her work environment.The EEOC said ♥↕$the Chicago-based airline faε↔ iled to prevent and correct the piloε₽t’s behavior although the flight attendant had•$ made numerous complaints and provided substantα<ial evidence in the matter.The EE✘♣OC said the pilot was allow÷₩ε©ed to retire with benefit ®×s despite the initiation of a criminal ♦'prosecution by the U.S. attorneys office under feε∞deral internet stalking lλ ♣→aws.According to a 2018 news report, after ♣ the pilot confessed and pleaded≤♠γ guilty and accepted a 4↔ 1-month prison sentence, Un'✔ited placed him on long-term disabil£→ity.The agency, whic h filed its lawsuit ₽♠ ×in the case in 2018, had¥€ charged the airline with vi¶©÷olating Title VII of theφ✔© Civil Rights Act of 1964.Undeγα£₽r the consent decree resolvin ☆g the case, in addition to paying the fligh>βt attendant $321,000 an≈βd attorney’s fees, United✔★π must revise its sexual ha ★≠rassment policies to explicitly i₹•nclude harassment co↕ ✔>nduct perpetrated through the internet or soc™"£✘ial media, whether on or₹£ off duty, that affects ™↕the work environment,Robert A. Canino, re<☆≈gional attorney of the EEOC’s Dallas Di©≤strict, said in the statement, “This case γ←σ>highlights the issues of employer accountabiliδ↑↔ty for harassment in the moderγΩ×n workplace.“Employee workday>φ≥s and jobsites are no longer d'↕×efined by timecards and the walls ofδγ ★ a building, but by the breadth of a digit₹ ↑al day and the reach of elec ≈♠tronic communications.“The poli×¥cy United has agreed to implement can per≠ haps serve to provide i ♥deas for other companies adapti↓★£ng to the increased risks posed by ↔<employee misuse of technology.”U∏'£→nited Airlines said in a statement, “The pil φot’s actions were reprehensibl♥♦↑e, and he is no longer a Unitπ↓ed employee. We have a zero-'π≈tolerance policy for any type ofσ♥₹♥ harassment in the workplace and expect ¥♦our employees to treat each other with d•£≥↔ignity and respect.“We st★£±rongly disagree with the EEOC’s ∏•allegations and will continue to reinfor₹≠£ce the procedures and training we have in place t↔£o protect our employees from sexual harassm↓ §★ent.”The EEOC said Wednesday &♣∞that Uber Technologi®←£es Inc. will estab←>∑lish a $4.4 million fund toλπ&< compensate anyone whom the agency determines →↕α≤experienced sexual hφ≥γ™arassment and/or relπ₩ated retaliation at th¶ e company after Jan. 1, 2014® ±≠.Organizer：China Insurance Digital &am£✘Ω₩p; AI Development 2020We×δ₹b:http://en.zenseegroup.com/p/560573/Contact:×£δAnn 021-65650305 -
0819
Invitation Letter of Asia-Pacific Phaδ<rmaceutical Intellectual Property Leader Summi↓εγ©t 2019
According to the relevant insti ★tutions forecast that Chin♣↕¥a's drug market will grow by 30% to $170 billion ∏>by 2021, big pharma •↔λ☆certainly won't wasteΩ< time or opportunity.Such as Takeda Pharmaceut>¥<ical, a Japanese drugm£™¥<aker known for its diabetes treatment Actos, plan→∏s to launch seven products π¶>±in China in the next five years, β&"more than anywhere else.As a technolog♥σ"÷y-intensive industry, pharmaceutica¥l industry attaches grea☆←t importance to patent application an& <d intellectual prope∞©∞☆rty protection.Along with tσ∏he gradual awakening of the cons$¥ciousness of intellectual property rights in theε₩$ asia-pacific region, especia÷λlly the commercial value of ♥✔value of intellectual property and tσ× o establish and perfect relevant law, ma"✘₽ke an application for a patent for the past fe£α↑☆w years in the asia-pac↕♥™σific region to become the ♠≠∞♥world's fastest-growing reg÷♠£∞ion, especially in the biologic♣♦→¥al medicine industry, the national pharm✘♥₽aceutical intellectual property poδ¶licy differentiation, patent r eview process, proceedings and generic drug pat→←εent strategy is becoming a ±$hot spot in the Asia Pacific pharmaceutical♠♣ enterprises increasingly concern€Ω♣§ed and to the highest poinαt of the innovation strategy.In this context, 2×019 Asia-Pacific Pharmaceutiσ★↑ cal IP Leader Summit will be held in Be®δ•ijing on November 14th-15₩☆£→th , and will attract more than 400 industry÷< experts from domestic and fore$₩<ign pharmaceutical c→γ↕£ompanies, biotechnology companies,♠↑≠✘ governments, associations, law f&α∑irms, intellectual property agents and o₽φ₩♠ther companies to atte σnd.It is my greatest pleasure, o₹≤≈→n behalf of the Organizingφ£"σ Committee, to welcome You to attend the&÷✔γnbsp; Asia-Pacific Pharmaceuti¶<cal Intellectual Property Leader Summit↑↑←• 2019 (APIS2019), held on Nov. 14th ↓∑¶↔-15th 2019 in Beijing，Chi ♥na.For more information, please≠←•¥ contact info@zenseegroup.com or 02>≈£®1-65650305.website:htε✔↓tp://en.zenseegroup.com/p/51093≤✘4/ -
0926
Ivy Brain Tumor Center aα≈nd BridgeBio Subsidiary QED Therapeutics≥× Announce Collaborati¥≥φ∑on to Advance Cancer Research and Treatment O£λptions
The Ivy Brain Tumor Cen×→$πter at Barrow Neurological I♦δnstitute, today announced a new collaborat≤πion with QED Therapeutics, Inc.,<↑& a subsidiary of BridgeBi♣☆o Pharma, Inc., (Nasda♦ q:BBIO) to investigat∞♠e the FGFR1-3 tyrosine k★inase inhibitor, infigratin≥₩↕₩ib, for the treatment of glioblastoma (GBM). ↕$π; With the goal of addressing unmet medical n₽®σ↕eeds for those affected by mal∑§✘ignant brain cancer, this colla€∏ boration will focus on targeting FGFR (fibroblasσ∑♦t growth factor receptor) g•ε≈ enetic alterations that have <± εbeen shown to spur growth in m≈→alignant tumors.“Five to seven percent of glioblπ≠αastoma patients’ tumors are driven by FGFR€"" signaling,” said Dr. N>®ader Sanai, director of the Ivy Brain Tumor Ceσ∏φ nter. “We believe our collabor±>ation with QED Therapeutics will enable us tβ↓←o test how FGFR-driven '→GBM tumors respond to infigratinib. If proven eff∞δ≈∞ective, we then intend t±±• o move forward new combined drug strat$£<≥egies incorporating this target.”In ₩→±the preclinical studies, the Ivy Center will↔§>α employ orthotopically implanted, well-ch✔<≥>aracterized FGFR3 fusion patient♥$-derived xenograft mo₽★✘ dels. This is intended to allow the team to ∑₩further explore the extent t∏→₽o which the drug crosses tβ♥he blood-brain barrier and what activity it h©®αas in the brain.“We believe the wo•©rk we are undertaking with the Ivy Center will >" ≥provide critical insight to shape our clinical deα≥∏♣velopment strategy for this diseas↑₽¶e,“ said Susan Moran, M.D., M.S→$.C.E., chief medical officer of QED Ther←♦apeutics. “Our hope is that infig← ratinib will become the backbone↓©↑≈ of new combination therapi¥©×es to treat patients with gβ§<lioblastoma.”Infigratinib is an÷α∞® orally administered,λ δ FGFR1-3 selective tyrosine kinasε✘e inhibitor. QED Therapeutics h≤™↑$as observed activity that appea™§↑<rs to be meaningful in cl"<inical trials for cancers that ar♥©σe driven by errors in t↑★he FGFR genes. These i₩δnclude chemotherapy-refractory cholangiocarc∏ 'inoma with FGFR2 fusions and advance∏≤d urothelial carcinoma with FGFR3 genetic✘€ alterations.“The intricacies of the'Ω₩β brain have posed signific♦©ant challenges for brain cancer research ® and the development of therapies,” said Gary β "≥Li, head of translational medic•±ine at QED Therapeutics. “We believe collaboratin≤✔g with the Ivy Brain Tumor Center will enable '♠λ us to move swiftly "↕∏and further translationaσ£★l research that we hope ×δλwill unlock the doors to effective¥♣ γ treatment options.”information so ¥×urce:pharma focus Asia∏™×'The original link:https:↔≥÷https://www.pharmafocusasia.com≈π≤φ/news/ivy-brain-tumor-center←®-and-bridgebio-subsidia™←φλry-qed-therapeutics-announce-collaboration-to-adv•₩₹ance-cancer-research-and-treatment-options20δ≤€<19 Asia-pacific pharma IP Leade™§™r Summit:http://en.zenseegroup.com/p/510934/will♣<γ be held in Beijing on Nov>&ember 14-15, and will at¥♠®÷tract more than 500 industry expert•>s from domestic and foreign pharma'∑ceutical companies, biotechnology companies, gov π★ernments, associations, law firms, intel♣&λlectual property agents and other compaσ>>nies to attend.Official registrat₹ ion and consultation σ₽Ωchannels:Contact：AnnPhone: 021-656©♣©↑50305Email：Marketing@zenseegroup.comhttp://w₩'♦ww.zenseegroup.com/forms/view/22113/ -
0112
輔助還(hái)是(shì)代替，保險+人(r₹☆én)工(gōng)智能(néng)展望
你(nǐ)有(yǒu)沒有(yǒu)想過，某天你(nǐ)所在的(de)行(xíng)業(π ™←yè)将被機(jī)器(qì)替代，或許有(yǒu)一(yīφ≤$☆)天人(rén)工(gōng)智能(néng)将取代某些(xiē)行(xíng)業(yè)。$§←作(zuò)為(wèi)專業(yè)性較強的(de)保險行(xíng)₹♣ 業(yè)與人(rén)工(gōng)智能(néng)結合，将會(huì)發生(sh₩≤ēng)什(shén)麽化(huà)學反應？未來(lái)保險行(xíng)業(yè)是(sλεhì)否會(huì)被人(rén)工(gōng)智能(©>←♣néng)替代呢(ne)？複旦大(dà)學中國(guó)保險科(kē)技(jì)實驗室發布≠'∑《人(rén)工(gōng)智能(néng)保險行(xíng)業(yè)運用(yòng)路('ε←☆lù)線圖》，人(rén)工(gōng)智能(néng)保險行(xíng)業(yè)發展的(de)ε≤∞£時(shí)間(jiān)軸可(kě)劃分(fēn)為(wèi)三個(gè>•β)階段：2006年(nián)起，我國(gu≠"δó)保險業(yè)開(kāi)始進入電(diλàn)子(zǐ)化(huà)時(shí)代（2006－2015），随之是(shì)δα自(zì)動化(huà)時(shí)代（2015－2018），✘↓直到(dào)2018年(nián)開(kāi)始進入智能(♥↑☆♥néng)化(huà)時(shí)代（2018及以後）。智&β¥β能(néng)化(huà)時(shí)代又(yòu)需要(yào)★↔©₩跨過弱智能(néng)（2018－2020）和(hé)中智能(néng)（2020-20≤™↕30）兩個(gè)階段，*終達到(dào)$ λ©強智能(néng)時(shí)代（2030×≠及以後）。人(rén)工(gōng)智能(néng)的(de)運用(yòng)，将對(duì)保" 險業(yè)有(yǒu)哪些(xiē)影(y≠•ǐng)響：其一(yī)，人(rén)工(gō¥↕"φng)智能(néng)對(duì)保險客戶服務的(de)影(yǐng)響。從(cón'←g)用(yòng)戶接受服務的(de)角度來(lái)說(shuō)，保險行(xíng)業(yè)™的(de)服務流程主要(yào)包括産品設計(jì)、♠↔銷售、承保、投保、理(lǐ)賠、售後服務等；從(cóng)保險公司持續健康發≤φ♠←展的(de)角度來(lái)說(shuō)，必然離(lí)不(bù)開(kāi)精算(suà≤↓n)、風(fēng)險控制(zhì)、保險資金(jīn)運用(yòng)等工(gōng)作& €(zuò)環節。在這(zhè)些(xiē)服務流程和(hé)工(£€¥gōng)作(zuò)環節中，人(rén)工(gōng)智能(néng)正逐漸找到(dào)自÷≤&(zì)己的(de)位置并産生(shēng)了(le)不(bù)可• (kě)忽視(shì)的(de)影(yǐng)響。 其二，人(rén)工(gōng)智能γ(néng)對(duì)保險核心業(yè)務的(de)影(yǐnγ↔g)響。人(rén)工(gōng)智能(néng)對(duì)壽險、非壽險及再保險業(yπσ$©è)務也(yě)具有(yǒu)不(bù)同的(de)影(yǐng∏ε♠)響。借助基因檢測，可(kě)穿戴智能(néng)設備等技(jì)術(shù)和(hé)手段✔♥∏γ，搜集被保險人(rén)全方面健康數(shù)據♦σ，并将收集來(lái)的(de)信息與人(rén)們生(shēng)β>β會(huì)變化(huà)規律相(xiàng)結合，推算(suàn)出被保險 ∏人(rén)的(de)身(shēn)體(tǐ)健康狀況和(hé)生(shēngγ©∞)命周期特征，從(cóng)而有(yǒu)利于調整考驗産品結構、對(du쩶₹)被保險人(rén)健康狀況進行(xíng)主✔£ 動有(yǒu)效的(de)管理(lǐ)，讓壽險産品的(de•ε)融資功能(néng)和(hé)保障功能(néng)實現(xiàn)有(yǒu)₽÷↕≠機(jī)融合；在非壽險領域，人(rén)工(gōng)智能©λ(néng)主要(yào)改變了(le)原來(lái)的(de)風(fēn$±♦g)險管理(lǐ)和(hé)風(fēng)險識¶↑$别的(de)手段，拓展了(le)保險覆蓋範圍，也(yě)催生(↓♥shēng)了(le)大(dà)量基于各類場(chǎng)景的(de)業(yè)務形态的(d₽←©≠e)出現(xiàn)；對(duì)于再保險公司來(lái)說(shuō)，人(rén₽¥≈)工(gōng)智能(néng)在身(shēn)份識别管理(lǐ)、自(zì)動化(huà)保§>險理(lǐ)賠及反欺詐等領域的(de)優勢，将增強再保險公司的(de)風(f×ēng)險分(fēn)析和(hé)索賠管理(lǐ)能(né✘λ♣ng)力，從(cóng)而降低(dī)再保業(yè)務的(de)審定難度，提高(gāo)保險✘§公司和(hé)再保險公司的(de)溝通(tōng)效率，未來(l£↓<±ái)還(hái)可(kě)能(néng)依托區(qū)塊鏈、大(dà)"γ →數(shù)據和(hé)人(rén)工(g'♣☆'ōng)智能(néng)技(jì)術(shù)打造再保險交易平台，将對(duì)傳統再保險®<市(shì)場(chǎng)形成不(bù)可∏¥(kě)忽視(shì)的(de)替代作(zuò)用(yòng)。©× 其三，人(rén)工(gōng)智能(néng)對(duì)保險從(cóng)業∏← ≥(yè)人(rén)員(yuán)的(de)影(yǐng)響。人(rén)工(gōng)智能(né✘π∏ng)正逐步滲透到(dào)保險業(yè)的(de)方方面面，保險公司在©φ享受人(rén)工(gōng)智能(néng)帶來(lái)的(de)效率提升φ>π₽的(de)同時(shí)，世界各地(dì)的(de)保險從(cóng)業(yè)₩λ者也(yě)将面對(duì)人(rén)工(gōng)↔<智能(néng)可(kě)能(néng)對(duì)就(jiù)業(yè←&₹<)帶來(lái)的(de)沖擊。人(rén)工(gōng)智能(n≥♦' éng)時(shí)代已經到(dào)來(Ω×←lái)，下(xià)一(yī)步有(y©ε ǒu)可(kě)能(néng)是(shì)人(rén)工(gōn₩✘∏φg)智能(néng)爆發式發展的(de)時(shí)期。保險行(xíng)業(yè)ε ε<應具體(tǐ)重哪些(xiē)層面運用(yòng)。從(cóng)應用(≠βσσyòng)場(chǎng)景來(lái)講，大(dà)緻可(kě)以分(fēn)為(wèi)三個φ♣(gè)層面：第一(yī)，直接面向*終的(de)保險客戶。保險客戶有(yǒ'¶♣u)一(yī)個(gè)說(shuō)法，叫做(z¥∏uò)保險客戶的(de)客戶關鍵旅程，他(tā)在跟保±•©險公司交互的(de)客戶關鍵旅程，無外(wài)乎是(shì)從(cóng)一(yī)開(kāi)ΩΩ始的(de)獲取保險産品相(xiàng)關信息，到(dào)咨詢、投保，接下(xià)$♦來(lái)可(kě)能(néng)就(jiù)會(h≠™uì)有(yǒu)核保，核保之後，生(shēng)效之後σ★₽如(rú)果有(yǒu)意外(wài)發生(shēng)，會(hu>σì)有(yǒu)理(lǐ)賠，會(huì)有(yǒu)增值服務等∞×±→等。在這(zhè)樣客戶關鍵旅程裡(lǐ)面，我舉了(le)一(yī)™λ₹些(xiē)*典型的(de)人(rén)工(gōng)智能(néng)應用(yòng♣©≠∑)，可(kě)以看(kàn)到(dào)其實到(dào)現(xiàn)在為(w®≠✔èi)止應該說(shuō)保險公司在這(zhè)些(xiē)領域都♥₽(dōu)已經有(yǒu)人(rén)工(gōng)智能(×<βnéng)産品已經上(shàng)線在應用(yòng)了(le)。這(zhè)其中的($×♣ de)運用(yòng)包含智能(néng)投保顧問(wèn)，統一(yī)身(shēn)£δ♠•份認證，人(rén)臉識别，聲聞識别，圖象識别，智能(néng)核保，智能(né≥ $βng)定損，智能(néng)理(lǐ)賠等。第二，基于供應鏈的(πα☆€de)人(rén)工(gōng)智能(néng)應用(yòng)。保險的≠÷&(de)産品在人(rén)工(gōng)智能(néng) ©時(shí)代也(yě)面臨著(zhe)升π£≈級，人(rén)工(gōng)智能(néng)γε能(néng)對(duì)他(tā)的(de)推動使得≥↕ε(de)這(zhè)個(gè)産品能(néng)夠做(zuò•&α)更加多(duō)的(de)個(gè)性☆"化(huà)的(de)定制(zhì)。另★≥δ¥外(wài)在風(fēng)控領域其實人(rén)工(gōng)智能(néng)應用(yòn↔γg)也(yě)非常多(duō)，這(zhè)®β✔個(gè)裡(lǐ)面包含了(le)通(tōng)過對(duì)大(dà)量的(de)客¶®>戶理(lǐ)賠案例的(de)客戶畫(huà)像建立，通(tōng)πΩ↓過各種模型跟因子(zǐ)的(de)建立，*後能(σnéng)夠建立起風(fēng)控模型，及時(shí)辨識出來☆§(lái)一(yī)些(xiē)有(yǒu)風(fēng)險的(de)理₹←←≈(lǐ)賠客戶，及時(shí)的(de)預警，防止在理(lǐ)•↕λ→賠方面的(de)一(yī)個(gè)更大(dàγ$)損失。具體(tǐ)應用(yòng)體(tǐ)現(x✔"iàn)在，智能(néng)投研，智能(néng)投顧。第三，智能(néng)招聘。保險業(±•"yè)都(dōu)有(yǒu)開(kāi)門(mén)紅(hóng)，每年(nián)的(d€"εe)開(kāi)門(mén)紅(hóng)都(dōu)是§≈∞(shì)會(huì)帶來(lái)巨量的(de)保費(fèi)收入，在巨量保費(fèi)收入 &↔的(de)背後，每一(yī)年(nián)第四個(gè)季度大(dà)家(jiā)✘都(dōu)在忙著(zhe)做(zuò)≥★營銷員(yuán)的(de)招聘，衆所周知(zhī)，營'銷員(yuán)的(de)流失率非常高(gāo)，招聘的(de)數(shù)量真的(de)♣₹是(shì)海(hǎi)量，人(rén)工(gōngα✔")智能(néng)的(de)運用(yòng)将大(dà)大(dà)的(de)縮減相(xi₩ ÷àng)關時(shí)間(jiān)，人(rén)力，資源成本。人(rén)σφ&®工(gōng)智能(néng)在保險業(yè)的(dβ€∞e)運用(yòng)尚屬于發展初期，面臨著(zhe¥β>∞)衆多(duō)挑戰。第一(yī)，政策監管障礙。衆多(duō)保險公司、科(kē)技(jì)公司都(dōu)在涉足人(rén)工(≥↓gōng)智能(néng)保險相(xiàng)關領域，但↓€Ω≠(dàn)整個(gè)行(xíng)業(yè)沒有(yǒu)統一(yī)的(de)标準★ ÷↔。監管層面上(shàng)，目前暫時(shí©≤)沒有(yǒu)對(duì)人(rén)工(gōng)智能(néng)在φ<γ保險行(xíng)業(yè)的(de)運用(yòng)制(z<hì)定明(míng)确的(de)監管法規，監管的(de)空(kōng)白(bái♠ ₩)使得(de)人(rén)工(gōng)智能∞£(néng)保險行(xíng)業(yè)的(de)運作(zuò)秩序得(de)不(bù)α₩÷到(dào)保障。 第二，數(shù)據障"×≠礙。目前保險行(xíng)業(yè)的(de)數(shù)據庫缺乏廣度和(→✘•εhé)深度，曆史數(shù)據在質量和(hé)數(shù)量上(shàng)遠(α☆☆yuǎn)遠(yuǎn)達不(bù)到(dào)大(dà)規模運用(yòng>§™)人(rén)工(gōng)智能(néng)的(de)程度，數(shù)據孤島現(xiàn≈¶•)象嚴重，産品銷售端和(hé)服務端往往無法獲$↕σ¶取，影(yǐng)響人(rén)工(gōng)智↑↔★↔能(néng)質量。 第三，市(shì)場(chǎng)障礙。首先®÷ε，人(rén)工(gōng)智能(néng)将會(huì)對(d©∏±uì)保險代理(lǐ)人(rén)群體(tǐ)産生(shēng)沖擊，這(zhè)個(gè)"¥€♠群體(tǐ)十分(fēn)龐大(dà)，利益相(xiàng)關者短(du♣€₩ǎn)期可(kě)能(néng)會(huì)阻礙人(rén)工(gōng)智能(né∏≠♣≥ng)與保險的(de)結合；此外(wài)，傳統保險公司的(de)經營理(lǐ)念桎梏是(→ <♣shì)一(yī)個(gè)潛在問(wèn)題，我>↓'國(guó)保險行(xíng)業(yè)本身(s"∏φhēn)潛在市(shì)場(chǎng)還(hái)很(hěn)δππσ大(dà)，大(dà)衆接受正常的(de)保♣€臉産品尚且不(bù)易，接受人(rén)工 ✘(gōng)智能(néng)保險産品則更難。*後，人(rén)工(↔gōng)智能(néng)技(jì)術(shù)的(de)應用(yòng)深度✔σ不(bù)夠，除了(le)特定領域，比如(rú)語音(yīn)識别、人(rén)臉識别等方面÷¥，其他(tā)領域運用(yòng)并不(bù)廣泛π☆，隻有(yǒu)全行(xíng)業(yè)廣泛應用(yòng)的(de)風(∏ fēng)潮到(dào)來(lái)，保險行(xíng)業(yè)才會(huì)迎®≥來(lái)質的(de)發展。 第四，研發或↑™技(jì)術(shù)障礙。人(rén)工(gōng)智能(néng)目前處于發展階段，技(jì)ελ↕∏術(shù)研發成本高(gāo)，研發期長(cháng)，雖然目前人(rén)工(gō¶©≥'ng)智能(néng)在感知(zhī)智能(néng)層面越來(lái)越成熟，但(dàn)≤≥是(shì)與真正運用(yòng)到(dào)實業(yè)，和(hé)保險深ε"β入契合，還(hái)存在一(yī)段距離(lí)。同時(shí)保險是(sα÷ hì)一(yī)個(gè)多(duō)學科(kē)知(zhī)識結合的(™πde)學科(kē)，需要(yào)全方位的(de)β÷≥↕知(zhī)識，面目前人(rén)工(gōng)智能(néng)隻能(néng≠✘δ)支持單方面的(de)智能(néng)，還(hái)難以做(zuò)到≤€↑(dào)和(hé)人(rén)類一(yī)樣多(duō)方向思考。 ★ 第五，信息安全問(wèn)題。人(rén)工(gōng)智能(néng)保 "'險運用(yòng)中需要(yào)考慮投保人(rén)的(de)信∞£息隐私保護問(wèn)題和(hé)安全問β✘™₹(wèn)題，即保險公司獲取投保人(rén♠ )某方面的(de)信息是(shì)否合法合理(lǐ₹♣")，是(shì)否存在洩露的(de)風(fē☆φng)險。目前，保險公司在建設安全壁壘、保護好(hǎo)客戶和(hé)保險公司的(d ✘≤→e)數(shù)據信安全方面存在不(bù)足。人(rén)工(gōng)智能(néng)的( ≠←de)發展，對(duì)于保險業(yè)來(lái)☆≤β說(shuō)是(shì)挑戰也(yě)是(shì)機(jī)遇，雖然目前↑ ×仍然處于初步應用(yòng)，但(dàn)未來(lái)發展可(kě)期。>®&≈2019中國(guó)互聯網保險創新峰會(huì)（CII♣✘S2019）将在4.11-12為(wèi)您帶來(lái)保險+人(rσ₹én)工(gōng)智能(néng)的(de)運用(yòng)及暢想。
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